1、Fifth Third Bancorp Reports Second Quarter 2025 Diluted Earnings Per Share of$0.88Accelerating revenue growth led by continued loan growth and net interest margin expansionReported results included a negative$0.02 impact from certain items on page 2Key Financial DataKey Highlights$in millions for al

2、l balance sheet and income statement items2Q251Q252Q24 Stability:Net charge-off ratio(b)declined 1 bp sequentially and 4 bps compared to 2Q24;NPAs decreased 11%sequentially,including commercial NPAs down 18%Interest-bearing liabilities costs down 2 bps compared to 1Q25;4%DDA growth year-over-year St

3、rong profitability resulted in CET1 increasing 13 bps to 10.56%Profitability:Disciplined expense management;efficiency ratio(a)of 56.2%;adjusted efficiency ratio(a)of 55.5%,an improvement of 130 bps year-over-year Net interest margin expanded for the 6th consecutive quarter Adjusted ROTCE ex.AOCI(a)

4、of 13.9%and adjusted ROA(a)of 1.22%Growth:5%loan growth compared to 2Q24;annual loan growth reaches highest level in over two years Consumer household growth of 2%,including 6%in the Southeast Assets under management of$73B,up 12%compared to 2Q24Income Statement DataNet income available to common sh

5、areholders$591$478$561Net interest income(U.S.GAAP)1,4951,4371,387Net interest income(FTE)(a)1,5001,4421,393Noninterest income750694695Noninterest expense1,2641,3041,221Per Share DataEarnings per share,basic$0.88$0.71$0.82Earnings per share,diluted0.880.710.81Book value per share28.4727.4125.13Tangi

6、ble book value per share(a)20.9819.9217.75Balance Sheet&Credit QualityAverage portfolio loans and leases$123,071$121,272$116,891Average deposits163,575164,157167,194Accumulated other comprehensive loss(3,546)(3,895)(4,901)Net charge-off ratio(b)0.45%0.46%0.49%Nonperforming asset ratio(c)0.720.810.55